PENSIONS—UK and USA

FOR BRITS RESIDENT IN FLORIDA: UK PENSION and SOCIAL SECURITY MATTERS. British pension transfers.

►►►UK GOVERNMENT PENSIONS: How to apply. If youpaid into a UK pension scheme, paid UK social security, national insurance stamp etc. you should find out if you are eligible to receive anything. Your records will still be in the UK Government system and you may be entitled to some payment, however small and however long ago. PROCEDURE:Write to them 6 months before retirement age, giving them: 1] Your UK social security number. 2] Last address in the UK you lived. 3] Last date you worked in the UK. 4] If female, give maiden and married names. This information is so they can first find you in their old records to find and verify you. Then they determine if you are entitled to anything. GOOD NEWS: If you apply after retirement age they will still pay you any back-payment you’re due.. Send to: UK Department of Social Security, International Pension Centre, Tyneview Park, Newcastle-on-Tyne NE 98 1BA, England. Phone from Florida: 011441 91 218 7777 Their ONLY OFFICIAL website is: www.thepensionservice.gov.uk You’ll find your questions answered there.

IMPORTANT: When you write to them, mark the envelope front OVERSEAS PENSIONS so it gets to the right room immediately. This avoid delays. NEXT:They will mail you forms. You mail those back. Then they wire your pension in US dollars direct into your US bank account. [Or into a UK account in pounds if you prefer]. It’s very efficient. They’ll even wire you any back-payment you’re owed, if you applied after retirement age.

►►► NON GOVERNMENT PENSION: ARE YOU OVER 35? DID YOU PAY INTO A UK COMPANY/PRIVATE PENSION? Do you know whether and how you can access your lump sum and bring it over to the USA? For a FREE review of your UK pension contact Mark Solomons in Florida with Florin Pensions direct on [561] 793-1311 email msolomons@florinpensions.com On Subject line put: “To Mark Solomons—UK pension query”. Include your name + city + phone + a sentence about the type of company/private pension you paid into. NOTE: The UK’s decision to leave the EU has resulted in Gilt yields reaching all time historic lows, pushing up the transfer values of UK defined benefit pensions schemes. That means your unfrozen pension is worth MORE since July 2016. Mark is a longtime member of the Florida Association of British Business [FABB]. As FABB’s UK pensions expert he has unfrozen many pensions for USA expats over the years.

TO CLAIM AMERICAN SOCIAL SECURITY [if you are a permanent resident or US citizen]. Contact the US Social Security on 1-800-772-1213. OFFICIAL WEBSITE for the Social Security Administration: www.ssa.gov Social Security is paid to resident Brits employed in the USA who have been paying into Social Security here for years. MISERABLE NOTE: The US Government docks some of your benefits if you are receiving a pension or social security from the UK. Utterly unfair.

£ TIP: WANT TO SAVE WHEN TRANSFERRING over UK CURRENCY? DON’T USE YOUR BANK! Use Moneycorp. [ I use Moneycorp myself–FABB President.] The pound is shaky. That affects all expats in Florida who still have UK dealings. To transfer your precious funds, we highly recommend you use the services of Moneycorp. At lower rates than any bank! This will save you fees and grief, as we Londoners say! What your own bank won’t do is save considerable exchange fees, like Moneycorp. NOW is an advantageous time for you to transfer any funds you have. THE BEST WAY: Moneycorp, the UK company with an office in Florida and droves of satisfied Florida clients. It is the only UK currency exchange company licenced to deal in 50 states. Many expat Brits here have used this currency service for years and report huge savings and satisfaction. TO FIND OUT MORE: Phone Moneycorp’s Kelly Cutchin on [863] 207-6616 at their USA HQ in Orlando to ask all your questions. Or email your query to Kelly Cutchin kelly.cutchin@moneycorp.com for details. Moneycorp’s HQ is in England. Posted by the Florida Association of British Business [FABB]. Moneycorp have been trusted members since 2005]

► ATTENTION EXPAT BRITS OVER 55! HELP RIGHT A WRONG. As you may know, The US Government reduces your Social Security benefits here if you get a UK pension. Even though you have contributed into both countries! This called the Windfall Elimination Provision [WEP] by the US Government. How can it be dubbed a windfall when you have PAID into both pension schemes?! This unfair outrage is finally being challenged. A major article in the April 2016 issue of Union Jack Newspaper outlines how one American attorney believes this is unlawful and is engaged in litigation with the US Government to put an end to this practice. Mr. Jonathan Bruce JD, PHD. has unselfishly taken up the cause to get this changed. He needs your support to increase momentum and put pressure on the US Government. He wishes to hear from any expat Brit affected, whose benefits have been reduced because you receive a UK pension. FIGHT THE GOOD FIGHT FOR ALL EXPATS HERE: Send an email with your name + age + city + phone to the Law office of Jonathan Bruce in Carmel, Indiana. Office phone [859] 905-9678 On Subject put: To Jonathan Bruce UK-USA WEP reform. Email to bruce@jonathanbrucelaw.com